Autumn hero 2026

Get access to flexible credit

Access to a credit account for everyday use, smooth and easy.

The following pricing example is based on the assumption that you, as a new credit customer, withdraw the full amount immediately and repay over 12 months.
If a loan of 23,000 SEK is taken out and repaid in 12 monthly installments of [1. 2962.33 SEK, 2. 2362.19 SEK, 3. 2327.06 SEK, 4. 2291.92 SEK, 5. 2256.78 SEK, 6. 2221.64 SEK, 7. 2186.50 SEK, 8. 2151.36 SEK, 9. 2116.22 SEK, 10. 2081.08 SEK, 11. 2045.94 SEK, 12. 2010.81 SEK], the effective interest rate is 37.68% and the variable nominal annual interest rate is 21.9999735%. The loan has an arrangement fee of SEK 565 and a monthly account fee of SEK 59. The total amount to be repaid is SEK 27,013.83. The term of the credit agreement is indefinite. This example is based on the assumption that the loan is repaid in 12 equal principal installments. The example is based on the assumption that the loan amount is withdrawn at one time and repaid on time. Borrow responsibly by evaluating the repayment options! The service is offered by Multitude Bank plc Address: ST Business Center 120, The Strand Gzira, GZR 1027, Malta. Registration number: C- 56251.
 

Borrowing costs money! If you cannot repay your debt on time, you risk a default notice. This can lead to difficulties in renting a home, signing up for subscriptions and getting new loans. For support, contact the budget and debt counseling service in your municipality. Contact details can be found at konsumentverket.se.

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kon av en mobiltelefon med en personikon och kugghjul, som representerar mobilhantering eller appinställningar.

Setup fee 565 kr

To administer and open your account, we charge cost prices for this service.

Ikon av en diamant, vilket symboliserar värderingar och kvalitet.

Account fee 59 kr/month

You pay an account fee monthly.

Ikon av en person med en kugghjul-symbol, vilket symboliserar mobilinställningar.

Apply easily online in just 3 steps!

Start your application by identifying yourself. Fill in information about your income, expenses, job and household size. You will be notified the same day.

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Apply easily online!

01.

Choose your first withdrawal amount

02.

Fill in your details and apply.

03.

Get notified within a few minutes
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What is an online credit account?

A line of credit is a great way to gain financial flexibility. A line of credit gives you a buffer account with access to money that is available to you when the need arises. Did the washing machine break down? Didn't your monthly salary cover your expenses? At times like these, a line of credit can come in handy.

At Ferratum, we strongly believe that applying for a line of credit should not be difficult or time-consuming.

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En kvinna sitter vid köksbordet med en kopp kaffe, ser nöjd ut.

Who can get a flexible credit from Ferratum?

Eligibility criteria

  • You must be at least 21 years old and have not had more than six (6) payment defaults.
  • No active debt with the bailiff
  • Registered in Sweden (at least 24 months)
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En äldre man sitter avslappnat på en bänk vid en sjö, omgiven av skog och solsken.

How much credit can I get?

The right amount of credit is based on your personal needs. What do you need the credit for? Do you need credit for a one-time event or do you need financial flexibility over a longer period? Consider what amount of credit you should apply for and whether the repayment of the credit fits into your monthly budget.

For the credit you pay at least a minimum amount to repay your loan. The size of the monthly minimum amount depends on the credit amount that you have used and the accumulated interest, if you have not used any credit, you will not owe any minimum amount. Also note that you always have the option to repay the entire used credit at once, this way you avoid increased costs for your credit.

If you are looking to finance a major purchase or project, you should consider one of our loan products.

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